The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,385
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,112
−HK$739/mo
Today · 4.125%
HK$24,851
baseline
▲ 0.50% · 4.625%
HK$26,363
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,702/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,015
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$708/mo
Today · 4.125%
HK$27,421
baseline
▲ 0.50% · 4.625%
HK$28,866
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,842/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,061
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,934
−HK$887/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,636
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,218
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,055
−HK$850/mo
Today · 4.125%
HK$32,905
baseline
▲ 0.50% · 4.625%
HK$34,639
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,810/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,738
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,757
−HK$1,034/mo
Today · 4.125%
HK$34,791
baseline
▲ 0.50% · 4.625%
HK$36,908
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,582/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,421
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,398
−HK$991/mo
Today · 4.125%
HK$38,389
baseline
▲ 0.50% · 4.625%
HK$40,412
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,778/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,092
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,401
−HK$1,331/mo
Today · 4.125%
HK$44,732
baseline
▲ 0.50% · 4.625%
HK$47,454
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,464/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,827
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,083
−HK$1,274/mo
Today · 4.125%
HK$49,357
baseline
▲ 0.50% · 4.625%
HK$51,959
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,714/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,572 · Scale 2, in force from 26 Feb 2026)